I work with a lender near my uptown office let me put you in touch with him!
Cody Anderson, MN Licensed Realtor
Metropolitan Home Team
Your score improvement has be become a science that may be accomplished faster than you think if you call me.
Senior Loan Officer
612 701 6816
To know whether you can mix and match programs, I'd have to know which programs you'd like to combine. Sorry, I know that's not the answer you're looking for but it's true.
Sometimes, those "participating lenders" lists are out of date. Therefore, you might want to call and see if your preferred lender is on the list. For instance, since I'm a loan officer and a manager, I'm not on the list for CityLiving even thought I'm approved. They don't put managers on there as a rule. Strange, . . .
You should not need a "handicapped" answer as to whether or not you'd qualify for a FHA loan. You either do or you don't and you don't need to identify a property to find out. Your file can be electronically underwritten through "FHA's TOTAL ScoreCard" and it will tell you if you qualify or not. That answer can be had right now.
Lastly, if you haven't looked into CityLiving, take a look. I'll attach a link in the web references. Let me know if there's anything else I can do to help.
P.S. Funny screen name. . . . "Debit." Would that be a reference to having little to no credit? :)
Please give the lender I work with a call and she should be able to get some solid answers for you.
Cathy Robin/Advisors Mortgage- 612-839-1716 firstname.lastname@example.org
She's helped many of my client's with not so perfect credit go in the right direction for them.
Thanks and good luck!
There are many, many options. Contact a lender that is knowledgeable, trustworthy and that you like working with. There's a Bond program, USDA; along with all the other standard programs; FHA, VA.
Best Wishes ~ Marcelina